Terms and Conditions

These Terms and Conditions constitute a legal agreement between you and Summit Ledger. By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by these terms.

Effective date: November 1, 2025

1. User Obligations and Conduct

1.1 Legal Responsibilities

By using our services, you agree to:

• Comply with all applicable local, state, national, and international laws and regulations
• Provide truthful, accurate, and complete information when interacting with our services
• Maintain the security and confidentiality of any credentials or access information
• Use our services only for legitimate financial planning and advisory purposes
• Respect the rights and privacy of other users and third parties

1.2 Prohibited Activities and Behaviors

You agree not to engage in any of the following prohibited activities:

• Using our services for any unlawful purpose or to solicit unlawful activity
• Attempting to interfere with, compromise, or disrupt our website or services
• Uploading or transmitting viruses, malware, or other malicious code
• Impersonating any person or entity or falsely representing your affiliation
• Collecting or harvesting information about other users without consent
• Using automated systems or scripts to access our services
• Engaging in any conduct that restricts or inhibits anyone's use of our services

1.3 Content Guidelines and Restrictions

When providing information or content to Summit Ledger, you must ensure that it:

• Does not contain false, misleading, or deceptive information
• Does not infringe upon intellectual property rights of others
• Does not contain offensive, defamatory, or inappropriate content
• Complies with all applicable privacy and data protection laws
• Is relevant to the purpose of our financial advisory services

1.4 Age Restrictions and Requirements

Our services are intended for individuals who are 18 years of age or older and have the legal capacity to enter into binding contracts. If you are under 18, you may not use our services without the involvement of a parent or legal guardian who agrees to be bound by these Terms and Conditions.

2. User Responsibilities

2.1 Compliance with Laws and Regulations

You are solely responsible for ensuring that your use of our services complies with all applicable laws and regulations in your jurisdiction. This includes, but is not limited to, laws regarding data protection, financial transactions, and electronic communications.

2.2 Indemnification Obligations

You agree to indemnify, defend, and hold harmless Summit Ledger, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from your use of our services, your violation of these Terms and Conditions, or your violation of any rights of another party.

2.3 Privacy and Data Protection

While we take measures to protect your information as described in our Privacy Policy, you acknowledge that you are responsible for maintaining appropriate security measures for any devices you use to access our services and for the information you choose to share.

2.4 Third-Party Interactions

Your interactions with third-party service providers, advertisers, or other users found on or through our services are solely between you and such third parties. We are not responsible for any terms, conditions, warranties, or representations associated with such third-party interactions.

3. Disclaimers and Limitations of Liability

3.1 Disclaimer of Warranties

Our services are provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to:

• Implied warranties of merchantability or fitness for a particular purpose
• Warranties regarding accuracy, reliability, or completeness of content
• Warranties that our services will be uninterrupted or error-free
• Warranties regarding the security of data transmission

We do not guarantee any specific financial outcomes or results from the use of our services or the implementation of any frameworks or strategies we provide.

3.2 Limitation of Liability

To the fullest extent permitted by law, Summit Ledger shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages arising from your inability to use our services
• Damages resulting from unauthorized access to your information
• Damages arising from errors or omissions in our content

Our total liability to you for all claims arising from or related to our services shall not exceed the amount you have paid to Summit Ledger in the twelve months preceding the claim.

3.3 Consequential Damages Exclusion

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages. In such jurisdictions, our liability shall be limited to the maximum extent permitted by law. You acknowledge that the limitations of liability set forth in these Terms are fundamental elements of the agreement between you and Summit Ledger.

3.4 Force Majeure Provisions

Summit Ledger shall not be liable for any failure or delay in performance of our obligations under these Terms and Conditions to the extent such failure or delay is caused by circumstances beyond our reasonable control, including but not limited to acts of nature, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, network infrastructure failures, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.

4. Legal Information and Dispute Resolution

4.1 Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of New York, United States, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts located in New York County, New York for the resolution of any disputes.

4.2 Dispute Resolution Procedures

In the event of any dispute, claim, or controversy arising from or relating to these Terms and Conditions or our services, the parties agree to first attempt to resolve the matter through good faith negotiation. If the dispute cannot be resolved through negotiation within 30 days, either party may pursue legal remedies in accordance with the governing law provisions above.

4.3 Severability Clause

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable. If such modification is not possible, the provision shall be severed from these Terms and Conditions, and the remaining provisions shall continue in full force and effect.

4.4 Terms Modification Policy

We reserve the right to modify these Terms and Conditions at any time. We will provide notice of material changes by posting the updated terms on our website and updating the effective date. Your continued use of our services following such modifications constitutes your acceptance of the updated Terms and Conditions. If you do not agree to the modified terms, you should discontinue your use of our services.

5. Additional Provisions

5.1 Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other legal notices published by Summit Ledger, constitute the entire agreement between you and Summit Ledger concerning your use of our services.

5.2 Waiver

No waiver of any term or condition of these Terms and Conditions shall be deemed a further or continuing waiver of such term or condition or any other term or condition. Any failure by Summit Ledger to assert a right or provision under these Terms and Conditions shall not constitute a waiver of such right or provision.

5.3 Assignment

You may not assign or transfer these Terms and Conditions or any rights or obligations hereunder without the prior written consent of Summit Ledger. We may assign our rights and obligations under these Terms and Conditions without restriction.

5.4 Termination

We reserve the right to terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including but not limited to your breach of these Terms and Conditions. Upon termination, your right to use our services will immediately cease.

6. Contact Information

If you have any questions or concerns about these Terms and Conditions, please contact us:

Summit Ledger

350 Fifth Avenue, Suite 5100

New York, NY 10118, United States

Email: [email protected]

Phone: +1 (212) 847-3926